There are many people in the world who are born with extreme physical or mental defects. If you are born with physical problems, it can be almost impossible to find a job and earn a living for yourself. Some people that are physically handicapped have the advantage of living with a loved one who will assist in taking care of them.
Others do not have that option. Sometimes, the physical handicap may not be as severe as being unable to live on your own or care for yourself, as much as putting strain on your body by trying to do a daily job can become extremely painful and may even cause health problems.
A lot of the time, a person with this condition will have a lot of medical bills, depending on what their disability is, it can be very expensive to get the proper treatment. This is not the life that someone would choose for themselves and even though they will always have a harder time than most, there are some things that are available to help make their lives a bit easier. One of those things is disability car insurance.
For those born with mental disabilities, life can be extremely difficult without disability insurance. Not only is it hard to get anyone to treat you like a person of value, to find a job that will hire you and even being able to feel qualified to work that job on a daily basis can seem overwhelming. This kind of handicap can also be very expensive to live with. Doctor visits and medications are a constant expense for someone with this condition. They, too, are qualified to receive individual long term disability insurance.
If you are a person who has been hurt on the job, you may also qualify for disability insurance.
Unfortunately, this may be harder to receive. There are many different factors that make it difficult to receive any benefits. It is important that before you start a job, you learn whether or not the employer pays for disability insurance for employees that are hurt on the job.There are different types of insurance.
Short-term disability is usually what someone hurt on the job will receive. This is to ensure that you have enough time to recover before returning to work, and still have an income. If the injuries you sustain are worse and it is something that is going to be a life long problem, you may then qualify for long-term disability. This is usually not paid for by the employer. There are different ways to go about getting this type of disability insurance.
Even if you are in good health and have a good job, it may be wise to check into paying for your own disability insurance. No one knows when they could become hurt or disabled, and it may give you peace of mind to know that your needs will be taken care of if it happens to you.
by: Dave Taylor